Essays, short stories, and news analysis on banks, politics, train rides, grade school, and other issues. These essays were written during the two years leading up to the election of Barack Obama. A number of them were published on the Huffington Post, an online newspaper. The short stories were inspiration for the making of two short film scripts, of which one was produced. Essays: * Grade School: Learn How to Bullshit Expertly to Secure Your Productive Place in Society * How to Fix the Economy: Get Out of Iraq * Bleeding Heart Conservatives: Why McCain is Unfit for Office * Bank Runs, Federal Seizure, Mortgage Meltdown? This is America? * This Depression Won't Be So bad... * The Evil that Banks Do * ...and others Stories: * Chance Encounter * The Protagonists * Making Indie Films
Though individual pieces from the late fifteenth century are widely accepted as being written for instruments rather than voices, they are traditionally considered as exceptions within the context of a mainstream of vocal polyphony. After a rigorous examination of the criteria by which music of this period may be judged to be instrumental, Dr Jon Banks isolates all such pieces and establishes them as an explicit genre alongside the more commonly recognized vocal forms of the period. The distribution of these pieces in the manuscript and early printed sources of the time demonstrate how central instrumental consorts were to musical experience in Italy at this time. Banks also explores the social background to Italian music-making, and particularly the changing status of instrumentalists with respect to other musicians. Convincing evidence is put forward in particular for the lute ensemble to be a likely performance context for many of the surviving sources. The book is not intended to be a prescriptive account for the role of instruments in late medieval music, but instead restores an impressive but largely overlooked consort repertory to its rightful place in the history of music.
This is the eBook version of the printed book. This Element is an excerpt from We Are Smarter Than Me: How to Unleash the Power of Crowds in Your Business (9780132244794) by Barry Libert and Jon Spector. Available in print and digital formats. How the Internet is revitalizing the tradition of “people-to-people” lending – and how entrepreneurs can take advantage of it! Lyn Townshend needed a business loan. But she had no income, having quit her job at IBM. She had a record of credit card delinquencies and had never run a company. Not surprisingly, she was turned down by her bank and the SBA. She joined Prosper.com’s cooperative of past and would-be borrowers, posted her loan request, and was funded by 77 people.
Well-meaning Westerners want to find ways to help the less fortunate. Today, many are not just volunteering abroad and donating to international nonprofits but also advancing innovations and launching projects that aim to be socially transformative. However, often these activities are not efficient ways of helping others, and too many projects cause more harm than good. Reimagining Global Philanthropy shares the journey of a conservative banker and a progressive professor to find a better way forward. Kirk S. Bowman and Jon R. Wilcox explain the boom in the global compassion industry, revealing the incentives that produce inefficient practices and poor outcomes. Instead of supporting start-up projects with long-shot hopes for success, they argue, we can dramatically improve results by empowering local leaders. Applying lessons from the success of community banks, Bowman and Wilcox develop and implement a new model that significantly raises philanthropic efficacy. Their straightforward and rigorously tested approach calls for community members to take the lead while outside partners play a supporting role. Bowman and Wilcox recount how they tested the model in Brazil, demonstrating the value of giving people in marginalized communities the opportunity to innovate. In a time of widespread social reckoning, this book shows how global philanthropy can confront its blind spots and failures in order to achieve truly transformative outcomes. Readers can access five of the documentary films discussed in the book on a companion website. In addition to the films, chapter discussion questions and other supplemental materials are also available at the site.
Each year we pay billions in fees to those who run our financial system. The money comes from our bank accounts, our pensions, our borrowing, and often we aren’t told that the money has been taken. These billions may be justified if the finance industry does a good job, but as this book shows, it too often fails us. Financial institutions regularly place their business interests first, charging for advice that does nothing to improve performance, employing short-term buying strategies that are corrosive to building long-term value, and sometimes even concealing both their practices and their investment strategies from investors. In their previous prizewinning book, The New Capitalists, the authors demonstrated how ordinary people are working together to demand accountability from even the most powerful corporations. Here they explain how a tyranny of errant expertise, naive regulation, and a misreading of economics combine to impose a huge stealth tax on our savings and our economies. More important, the trio lay out an agenda for curtailing the misalignments that allow the financial industry to profit at our expense. With our financial future at stake, this is a book that analysts, economists, policy makers, and anyone with a retirement nest egg can’t afford to ignore.
Caden has worked himself to death buying and selling properties with no time or plans of a vacation in sight. When he's pushed by a coworker to take a vacation, Caden has his own agenda in mind. As any half-made plan usually goes, his will have its own twists and turns. Before he can put his plan into action, Caden's life takes a turn as a lost love from his past appears and brings his life and agenda to a hault [i.e. halt]. He's forced to learn more about himself and the life he always wanted while battling tragedies he never seen [i.e. saw] coming"--P. [4] of cover.
Macroprudential policy is increasingly being implemented worldwide. Its effectiveness in influencing bank credit and its substitution effects beyond banking have been a key subject of discussion. Our empirical analysis confirms the expected effects of macroprudential policies on bank credit, both for advanced economies and emerging market economies. Yet we also find evidence of substitution effects towards nonbank credit, especially in advanced economies, reducing the policies’ effect on total credit. Quantity restrictions are particularly potent in constraining bank credit but also cause the strongest substitution effects. Policy implications indicate a need to extend macroprudential policy beyond banking, especially in advanced economies.
The first decade of the 21st Century has been disastrous for financial institutions, derivatives and risk management. Counterparty credit risk has become the key element of financial risk management, highlighted by the bankruptcy of the investment bank Lehman Brothers and failure of other high profile institutions such as Bear Sterns, AIG, Fannie Mae and Freddie Mac. The sudden realisation of extensive counterparty risks has severely compromised the health of global financial markets. Counterparty risk is now a key problem for all financial institutions. This book explains the emergence of counterparty risk during the recent credit crisis. The quantification of firm-wide credit exposure for trading desks and businesses is discussed alongside risk mitigation methods such as netting and collateral management (margining). Banks and other financial institutions have been recently developing their capabilities for pricing counterparty risk and these elements are considered in detail via a characterisation of credit value adjustment (CVA). The implications of an institution valuing their own default via debt value adjustment (DVA) are also considered at length. Hedging aspects, together with the associated instruments such as credit defaults swaps (CDSs) and contingent CDS (CCDS) are described in full. A key feature of the credit crisis has been the realisation of wrong-way risks illustrated by the failure of monoline insurance companies. Wrong-way counterparty risks are addressed in detail in relation to interest rate, foreign exchange, commodity and, in particular, credit derivative products. Portfolio counterparty risk is covered, together with the regulatory aspects as defined by the Basel II capital requirements. The management of counterparty risk within an institution is also discussed in detail. Finally, the design and benefits of central clearing, a recent development to attempt to control the rapid growth of counterparty risk, is considered. This book is unique in being practically focused but also covering the more technical aspects. It is an invaluable complete reference guide for any market practitioner with any responsibility or interest within the area of counterparty credit risk.
A practical guide to counterparty risk management and credit value adjustment from a leading credit practitioner Please note that this second edition of Counterparty Credit Risk and Credit Value Adjustment has now been superseded by an updated version entitled The XVA Challenge: Counterparty Credit Risk, Funding, Collateral and Capital. Since the collapse of Lehman Brothers and the resultant realization of extensive counterparty risk across the global financial markets, the subject of counterparty risk has become an unavoidable issue for every financial institution. This book explains the emergence of counterparty risk and how financial institutions are developing capabilities for valuing it. It also covers portfolio management and hedging of credit value adjustment, debit value adjustment, and wrong-way counterparty risks. In addition, the book addresses the design and benefits of central clearing, a recent development in attempts to control the rapid growth of counterparty risk. This uniquely practical resource serves as an invaluable guide for market practitioners, policy makers, academics, and students.
Most rational people don’t pay $40 for $20 items. And yet with wine, it happens all the time. Wine can be an expensive hobby. Founder of the popular site ReverseWineSnob,com, Jon Thorsen is an unapologetic frugal wine consumer. He flips wine snobbery on its head by pushing a $20 or less mantra. Reverse Wine Snob is designed to help wine drinkers stop wasting money and get the most satisfaction out of their drinking dollars. It reveals Thorsen’s Ten Tenets of Reverse Wine Snobbery—ten beliefs that eliminate myths about wine—as well as a unique rating system that includes the cost of the bottle so that there is satisfaction in both taste and price. In Jon’s unique system, the more expensive a wine, the better it must taste. Reverse Wine Snob explains: The number one rule all wine drinkers should follow, no matter what the wine snobs say. How to shop for wine at stores like the nation’s #1 wine retailer Costco and Trader Joe’s. The regions and varieties of wine that give the best value. Why the price of a wine has nothing to do with its taste. Why the distribution system in the US is broken which costs you money and limits your wine choices. Tons of Jon’s very favorite wine picks. Jon dapples in every kind of wine from $10 kitchen sink blends to the $20 “Saturday Night Splurge,” so delicious it’s worth twice the price. Reverse Wine Snob brings plain old common sense to the wine industry and encourages wine lovers to explore the world of inexpensive quality wine. Skyhorse Publishing, along with our Good Books and Arcade imprints, is proud to publish a broad range of cookbooks, including books on juicing, grilling, baking, frying, home brewing and winemaking, slow cookers, and cast iron cooking. We’ve been successful with books on gluten-free cooking, vegetarian and vegan cooking, paleo, raw foods, and more. Our list includes French cooking, Swedish cooking, Austrian and German cooking, Cajun cooking, as well as books on jerky, canning and preserving, peanut butter, meatballs, oil and vinegar, bone broth, and more. While not every title we publish becomes a New York Times bestseller or a national bestseller, we are committed to books on subjects that are sometimes overlooked and to authors whose work might not otherwise find a home.
Drawing on ethnographic fieldwork within the World Bank and a Ugandan ministry, this book critically examines how the new aid architecture recasts aid relations as a partnership. While intended to alter an asymmetrical relationship by fostering greater recipient participation and ownership, this book demonstrates how donors still seek to retain control through other indirect and informal means. The concept of developmentality shows how the World Bank’s ability to steer a client’s behavior is disguised by the underlying ideas of partnership, ownership, and participation, which come with other instruments through which the Bank manipulates the aid recipient into aligning with its own policies and practices.
The UK has, in recent years, been suffering from what is nothing short of an economic crisis. Growth has now completely stalled in those western democracies, the UK included, where high government spending and high taxes have steadily burgeoned, decade after decade. Free-market economies now threaten to leave us behind in terms of wealth, opportunity and standards of living. At the end of Rishi Sunak's 2024 government, expenditure was at 45 per cent of GDP and taxes were 36 per cent and rising – yet still nowhere near sufficient to cover public expenditure. The government's net annual borrowing is now a completely unsustainable 4.4 per cent of GDP, with our overall national debt growing rapidly and alarmingly. In this arresting and powerful manifesto for economic change, Jon Moynihan analyses the UK's decades-long stagnant economy and looks at what can be done to resuscitate it. Combining rigorous research with unparalleled business experience, he explores the key dynamics affecting economic growth, ranging from government borrowing, expenditure, tax and regulation to the way national resources are deployed on non-productive and futile, growth-stifling endeavours. Ultimately, Moynihan shows that unless we act now to reverse the decline, by radically restructuring our economy to stimulate economic growth, the UK risks stagnation, financial collapse and a long-term disintegration in our standard of living. Ignore his warning at your peril.
From acclaimed thriller-suspense novelists Heather Graham and Jon Land comes a story of action, mystery, and the endurance of young love in The Rising. Twenty-four hours. That's all it takes for the lives of two young people to be changed forever. Alex Chin has the world on a plate. A football hero and homecoming king with plenty of scholarship offers, his future looks bright. His tutor, Samantha Dixon, is preparing to graduate high school at the top of her class. She plans to turn her NASA internship into a career. When a football accident lands Alex in the hospital, his world is turned upside down. His doctor is murdered. Then, his parents. Death seems to follow him wherever he goes, and now it's after him. Alex flees. He tells Samantha not to follow, but she became involved the moment she walked through his door and found Mr. and Mrs. Chin as they lay dying in their home. She cannot abandon the young man she loves. The two race desperately to stay ahead of Alex's attackers long enough to figure out why they are hunting him in the first place. The answer lies with a secret buried deep in his past, a secret his parents died to protect. Alex always knew he was adopted, but he never knew the real reason his birth parents abandoned him. He never knew where he truly came from. Until now. At the Publisher's request, this title is being sold without Digital Rights Management Software (DRM) applied.
The definitive biography of a larger-than-life president who defied norms, divided a nation, and changed Washington forever Andrew Jackson, his intimate circle of friends, and his tumultuous times are at the heart of this remarkable book about the man who rose from nothing to create the modern presidency. Beloved and hated, venerated and reviled, Andrew Jackson was an orphan who fought his way to the pinnacle of power, bending the nation to his will in the cause of democracy. Jackson’s election in 1828 ushered in a new and lasting era in which the people, not distant elites, were the guiding force in American politics. Democracy made its stand in the Jackson years, and he gave voice to the hopes and the fears of a restless, changing nation facing challenging times at home and threats abroad. To tell the saga of Jackson’s presidency, acclaimed author Jon Meacham goes inside the Jackson White House. Drawing on newly discovered family letters and papers, he details the human drama–the family, the women, and the inner circle of advisers– that shaped Jackson’s private world through years of storm and victory. One of our most significant yet dimly recalled presidents, Jackson was a battle-hardened warrior, the founder of the Democratic Party, and the architect of the presidency as we know it. His story is one of violence, sex, courage, and tragedy. With his powerful persona, his evident bravery, and his mystical connection to the people, Jackson moved the White House from the periphery of government to the center of national action, articulating a vision of change that challenged entrenched interests to heed the popular will– or face his formidable wrath. The greatest of the presidents who have followed Jackson in the White House–from Lincoln to Theodore Roosevelt to FDR to Truman–have found inspiration in his example, and virtue in his vision. Jackson was the most contradictory of men. The architect of the removal of Indians from their native lands, he was warmly sentimental and risked everything to give more power to ordinary citizens. He was, in short, a lot like his country: alternately kind and vicious, brilliant and blind; and a man who fought a lifelong war to keep the republic safe–no matter what it took.
Macroprudential stress testing (MaPST) is becoming firmly embedded in the post-crisis policy-frameworks of financial-sectors around the world. MaPSTs can offer quantitative, forward-looking assessments of the resilience of financial systems as a whole, to particularly adverse shocks. Therefore, they are well suited to support the surveillance of macrofinancial vulnerabilities and to inform the use of macroprudential policy-instruments. This report summarizes the findings of a joint-research effort by MCM and the Systemic-Risk-Centre, which aimed at (i) presenting state-of-the-art approaches on MaPST, including modeling and implementation-challenges; (ii) providing a roadmap for future-research, and; (iii) discussing the potential uses of MaPST to support policy.
A practical guide to counterparty risk management and credit value adjustment from a leading credit practitioner Please note that this second edition of Counterparty Credit Risk and Credit Value Adjustment has now been superseded by an updated version entitled The XVA Challenge: Counterparty Credit Risk, Funding, Collateral and Capital. Since the collapse of Lehman Brothers and the resultant realization of extensive counterparty risk across the global financial markets, the subject of counterparty risk has become an unavoidable issue for every financial institution. This book explains the emergence of counterparty risk and how financial institutions are developing capabilities for valuing it. It also covers portfolio management and hedging of credit value adjustment, debit value adjustment, and wrong-way counterparty risks. In addition, the book addresses the design and benefits of central clearing, a recent development in attempts to control the rapid growth of counterparty risk. This uniquely practical resource serves as an invaluable guide for market practitioners, policy makers, academics, and students.
All of the national claims to South China Sea area islands & ocean space have weaknesses. The dangerous & unstable state created by the unilateral actions of claimants & by the continuing opportunities for outside powers' involvement demand an appropriate measure. This book offers several possible regional interim solutions. The authors propose a regional multinational solution for part of the area because other alternatives appear impractical. Division or allocation of the features & ocean space among the competing claimants seems unfeasible because of sharp disagreements over the boundaries in dispute & over the appropriate equitable division. Serial bilateral negotiations might resolve some conflicting claims but would leave or create others; they also present problems of cost & efficiency. An institutionalized dialogue would add structure & stability to the discussions, & confidence-building measures (CBMs) could help move the situation forward, but neither would suffice as a solution. The creation of a regional multilateral resource management body could reduce the rife regional tension, however. Many international & regional precedents provide valuable lessons for regime-building in the South China Sea. The illustrations presented stimulate constructive discussion of a comprehensive multilateral interim solution to these difficult & dangerous conflicts. This book will interest & assist decision-makers, negotiators, & academics desirous of a peaceful solution to these disputes.
This book is a compilation of joint papers written by the staff and students of the Nanyang Business School in Singapore. It encompasses a broad range of interesting microeconomic and macroeconomic topics. The four sections of the book cover Singaporean microeconomic and macroeconomic issues, interdependence among Asia-Pacific economies, and other Asia-Pacific economic issues. The book embodies the highest level of technical rigor and commitment to excellence. The general public should find this book a handy, useful and informative tool for understanding the economics of East Asia. In particular, analysts and researchers in banks, securities houses, multinational corporations, government ministries and agencies, and universities will find the book indispensable for enhancing their understanding of the region's economies.
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